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HDFC Bank offers a range of credit cards with a multitude of benefits spanning various categories, including travel, rewards, and shopping, among others. These credit cards cater to a wide spectrum of needs, starting from basic options like Moneyback and Millennia to premium selections such as Infinia and Diners Club Black. Opting for the card that aligns with your lifestyle is crucial for maximising the advantages, as selecting the 'right card' can lead to significant savings when you make purchases, travel, or dine. To assist you in this selection process, we've listed out the HDFC Credit Cards available in 2023, allowing you to compare features and conveniently apply online.
Listed below are the top 10 credit cards offered by HDFC.
HDFC Credit Card Variant | Annual Fee | Category |
---|---|---|
HDFC Bank Regalia First Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Diners Club Black Card | Rs.10,000 | Premium lifestyle |
HDFC Bank Regalia Card | Rs.2,500 | Premium lifestyle |
HDFC Freedom Credit Card | Rs.500 | Rewards |
HDFC Bank Money Back Credit Card | Rs.500 | Cashback |
HDFC Bank Diners ClubMiles Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Platinum Times Card | Rs.1,000 | Regular lifestyle |
InterMiles HDFC Bank Diners Club | Rs.5,000 | Premium travel |
HDFC Millenia Credit Card | Rs.1,000 | Cashback |
Swiggy HDFC Bank Credit Card | Rs.500 | Cashback |
Tata Neu Plus HDFC Bank Credit Card | Rs.499 | Reward Points |
Shoppers Stop HDFC Bank Credit Card | Lifetime Free | First Citizen Card |
HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.
HDFC credit cards come with the following features and benefits:
Key Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.
Joining Fee: Rs.1,000
Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 1,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for free air tickets.
Suitable for: People who frequently visit international locations.
Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.
Joining fee: Rs.10,000
Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.
Joining Bonus: 10,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.
Suitable for: People who frequently visit international locations.
Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.
Joining Fee: Rs.2,500
Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 2,500 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on offers.smartbuy.hdfcbank.com/regalia. Also convertible to Air Miles.
Suitable for: People who spend massively on their credit cards and travel frequently.
Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.
Joining fee: Rs.500
Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.
Joining bonus: 500 reward points upon paying the joining fee.
Features & benefits:
Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.
Suitable for: People who use credit card for all daily expenses.
Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.
Joining fee: Rs.500
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: 500 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People who would like to cut their credit card annual maintenance.
Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.500.
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People looking for a less maintenance credit card with benefits across categories.
Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).
Joining bonus: 1,000 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.
Suitable for: Globetrotters who use their credit card for most of their travel needs.
Key Highlights: A low-cost, high-value HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.1,000.
Renewal fee: Rs.1,000 (from 2nd year onwards).
Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.
Suitable for: People who are movie freaks and dine-out quite frequently.
Benefits & Features of HDFC Infinia Credit Cards:
Features and Benefits of HDFC Solitaire Credit Cards:
Features and Benefits of HDFC AllMiles Credit Card :
Features and Benefits of HDFC Platinum Edge credit card
Features and Benefits of HDFC Titanium Edge credit card
Note: HDFC Bank reviews and adjusts your credit limit according to your annual expenditures, card usage, and evolving income. Additionally, they extend invitations for Credit Card upgrades based on your usage.
You can check eligibility for each HDFC credit card online using the HDFC Bank official website.
Visit HDFC Bank Site (www.hdfcbank.com/personal/products/cards/credit_cards) & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.
Proof of Identity |
Any one of the documents
|
Address proof |
Any one of the documents
|
Income proof (For salaried) |
|
Income proof (For self-employed) |
|
HDFC may ask for additional documents based on the applicant's profile. The above list is for reference purpose only.
The steps to apply for an HDFC credit card online are as follows:
Step 1: Visit the official website of HDFC.
Step 2: Navigate to the ‘Credit Cards’ section and select a credit card based on your preference.
Step 3: Check the eligibility criteria and documents required for the credit card.
Step 4: Apply online by entering all the requested details. You can also submit your credit card application along with relevant documents at an HDFC branch or ATM.
Step 5: You will receive your credit card on your communication address once the bank approves your application.
Step 6: When it is delivered, you will have to sign for it and provide proof of identity.
Step 7: You will receive the personal identity number (PIN) via courier while the Green PIN will be sent on your registered mobile number.
Step 8: This PIN is required to authenticate any credit card transactions.
Step 9: Visit the nearest HDFC ATM to change the PIN.
Category | HDFC Credit Card Variant |
---|---|
Essentials | HDFC Bank MoneyBack+ Credit Card |
HDFC Bank Millenia Credit Card | |
HDFC Bank Freedom Credit Card | |
IndianOil HDFC Bank Credit Card | |
Luxury Credit Cards | HDFC Bank Diners Club Black Metal Edition Credit Card |
HDFC Bank Infinia Meta Edition Credit Card | |
HDFC Bank Diners Club Black Credit Card | |
Co-branded Credit Cards | Marriott Bonvoy HDFC Bank Credit Club |
Swiggy HDFC Bank Credit Card | |
IRCTC HDFC Bank Credit Card | |
Tata Neu Infinity HDFC Bank Credit Card | |
Tata Neu Plus HDFC Bank Credit Card | |
Shoppers Stop HDFC Bank Credit Card | |
Shoppers Stop Black HDFC Bank Credit Card | |
Paytm HDFC Bank Credit Card | |
Paytm HDFC Bank Select Credit Card | |
Paytm HDFC Bank Mobile Credit Card | |
Paytm HDFC Bank Digital Credit Card | |
HDFC Bank Times Card Credit Platinum | |
HDFC Bank Times Card Credit | |
6E Rewards - IndiGo HDFC Bank Credit Card | |
6E Rewards XL- IndiGo HDFC Bank Credit Card | |
Lifestyle Credit Cards | HDFC Bank Regalia Gold Credit Card |
HDFC Bank Diners Club Privilege Credit Card | |
Easy EMI Credit Cards | HDFC Bank Easy EMI Credit Card |
Other Credit Cards | HDFC Bank All Miles Credit Card |
HDFC Bank Bharat Credit Card | |
HDFC Bank Diners Club Premium Credit Card | |
HDFC Bank Diners Club Rewardz Credit Card | |
HDFC Bank Doctor's Regalia Credit Card | |
HDFC Bank Doctors Superia Credit Card | |
JetPrivilege HDFC Bank Select/Titanium Credit Card | |
HDFC Bank Platinum Edge Credit Card | |
HDFC Bank Platinum Plus Credit Card | |
HDFC Bank Solitaire Credit Card | |
HDFC Bank Superia Credit Card | |
HDFC Bank Teachers Platinum Credit Card | |
HDFC Bank Titanium Edge Credit Card | |
HDFC Bank Visa Signature Credit Card | |
HDFC Bank World MasterCard Credit Card | |
HDFC Bank Regalia First Credit Card | |
HDFC Bank Diners ClubMiles Credit Card | |
HDFC Bank Regalia Credit Card | |
InterMiles HDFC Bank Diners Club Credit Card | |
InterMiles HDFC Bank Signature Credit Card | |
InterMiles HDFC Bank Platinum Credit Card | |
HDFC Bank Diners Club Privilege Credit Card | |
Business Credit Cards | HDFC Bank UPI RuPay Biz Credit Card |
HDFC Bank Business Regalia | |
HDFC Bank Business MoneyBack | |
Pine Labs HDFC Bank Credit Card | |
Pine Labs HDFC Bank Pro Credit Card | |
HDFC Bank CSC Small Business MoneyBack | |
Paytm HDFC Bank Business Credit Card | |
Paytm HDFC Bank SELECT Business Credit Card | |
Best Price Save Max HDFC Bank Credit Card | |
Best Price Save Smart HDFC Bank Credit Card | |
Flipkart Wholesale HDFC Bank Credit Card | |
Corporate Credit Cards | HDFC Bank Corporate Platinum Credit Card |
HDFC Bank Corporate Premium Credit Card | |
HDFC Bank & SAP Concur Solutions Black Corporate Credit Card | |
HDFC Bank & SAP Concur Solutions Prime Corporate Credit Card | |
Purchase Solutions Corporate Credit Cards | HDFC Bank Purchase Premium Credit card |
HDFC Bank Purchase MoneyBack Credit Card | |
HDFC Bank Purchase Credit Card | |
HDFC Bank Purchase Reward Credit Card | |
HDFC Bank Central Travel Account Credit Card | |
HDFC Bank Accounts Payable Program Credit Card | |
HDFC Bank Accounts Receivable Program Credit Card | |
HDFC Bank Auto Insurance Program Credit Card | |
HDFC Bank Dealer Credit Card | |
HDFC Bank Fleet Program Credit Card | |
HDFC Bank TMC Credit Card |
Customers can use any of the following modes of payments:
As an existing HDFC Bank account holder, you can register for HDFC Credit Card Net Banking services by following the below given steps.
The procedure that must be followed to activate online transactions via WhatsApp is given below:
Rewards Points System: HDFC Bank offers a rewards points system for both offline and online Credit Card transactions, providing a significant advantage. You can redeem these accrued points for a variety of rewards from our catalogue, gift vouchers from renowned brands, and airline miles, or offset them against your statement balance. Select Credit Cards can earn you higher reward points. It's essential to utilise your reward points before they expire and keep an eye out for exclusive Credit Card offers linked to your reward points.
Credit Card Statement: HDFC Bank issues monthly Credit Card statements that outline all transactions conducted during a credit cycle, including the amounts charged, the due date, and outstanding balances. These statements are generated on a fixed date, which may not necessarily be the first day of the month and are sent to your registered email address.
Credit Card Cash Withdrawal: You can utilise your Credit Card to withdraw cash from ATMs through our Credit Card cash advance facility. The permissible cash withdrawal limits depend on your card type and differ from the credit limit. The bank applies credit card interest rates and other applicable fees to Credit Card cash withdrawals.
Fees & Charges: HDFC Bank imposes specific Credit Card fees depending on the type of Credit Card you hold. These fees include an annual maintenance charge, cash advance fees for withdrawals, foreign currency markup fees, late payment charges, interest on outstanding dues, over-limit fees, and GST charges.
Credit Card Bill Payment: HDFC Bank generates a new bill each month according to your credit cycle. You have approximately 20 days after the bill generation date, along with an interest-free period of about 50 days. It is necessary to make at least the minimum amount due. No additional charges are levied by the bank if you pay your outstanding dues in full on or before the due date. However, interest is applicable for partial or non-payments. You also have the option to set up automatic Credit Card payments through standing instructions from your Savings Account.
When it comes to conducting various offline and online Credit Card transactions, it's essential to follow these best practices and guidelines to make the most of your HDFC Bank Credit Card.
What To Do:
Research The Cards: HDFC Bank provides a range of Credit Cards to suit diverse needs, from shopping Credit Cards to top airline Credit Cards. Ensure you explore our array of offerings based on your eligibility and select the Credit Card that best aligns with your preferences.
Assess Terms and Conditions: It's crucial to thoroughly review the key terms and conditions associated with your Credit Card, including credit limits, interest rates, cash withdrawal details, fees, and charges. Be aware of waivers, discounts, and any ongoing Credit Card offers.
Repay Dues on Time: Paying your dues in full is highly advantageous, showcasing your creditworthiness to the bank over time. Moreover, you can avoid interest charges by settling your entire outstanding balance promptly.
Leverage Credit Limit Enhancement: If you qualify for a credit limit increase, make the most of it. An enhanced credit limit provides more flexibility for spending and earning reward points, so use it wisely.
Know About Billing and Payment Dates: Familiarise yourself with your billing and payment dates. The billing date is when the bank sends you a detailed bill of your Credit Card expenditures during the last billing cycle, while the payment date is the deadline for clearing your dues. Staying aware of these dates helps avoid late payment charges.
Track Your Expenses: Regularly monitor your Credit Card expenses to detect and prevent fraudulent transactions. You can set up SMS and email alerts for every Credit Card transaction. If you notice any suspicious activity, report it to the bank immediately and consider blocking your card.
What Not to Do:
Don't Over-utilise the Entire Credit Limit: Optimal utilisation of your card's credit limit is advised. Overusing the credit limit may negatively impact your credit score, lead to substantial debt, and complicate the repayment process.
Don't Apply for Too Many Credit Cards: While having more than one Credit Card, especially during emergencies, may seem beneficial, applying for multiple Credit Cards is not advisable. It can create the impression of being credit-hungry or having a propensity for risk-taking behaviour.
Don't Pay Only the Minimum Amount Due: It's not recommended to pay only the minimum amount due on your Credit Card. This approach typically carries the remaining balance forward to the next billing cycle, incurring interest charges on the delayed payment and increasing your outstanding Credit Card debt.
Knowing how to use your Credit Card securely is of utmost importance. Here are some key security measures to consider:
Yes, you can apply for an HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.
You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.
Applicant's address details, PAN card, Scanned copy of your ID proof and address proof
You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.
Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.
Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be obtained from a customer’s credit card statement.
Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.
Failing to pay the minimum amount due on your Credit Card by the due date of payment will result in the imposition of a late payment fee. Consistent instances of late payments may have an impact on your Credit Rating.
Interest charges are not incurred on all purchases. However, suppose you fail to clear the total outstanding amount on or before the bill's due date. In that case, any unpaid dues and subsequent transactions will begin to accrue interest until the outstanding amount is fully settled.
After accumulating Reward Points, cardholders have the option to redeem them for various items available in the rewards catalogue, including gift vouchers, flight tickets, hotel bookings, and more, all accessible through NetBanking.
HDFC Bank Credit Cards come with specific charges that must be paid, irrespective of card usage. However, under certain circumstances, these charges can be waived. To learn about the conditions for potential waivers, please click here.
Individuals who already possess a Credit Card can readily apply for an HDFC Bank Credit Card, provided that their existing Credit Card is from another bank, and they maintain a favourable Credit Score. However, if they already hold an HDFC Bank Credit Card, they will not be eligible for an additional HDFC Bank Credit Card.
On 1 November 2023, HDFC Bank said that changes will be made to lounge access for Regalia credit card in India. The new changes will come into effect on 1 December 2023. The lounge access program will be offered on the credit card spends. According to the bank, the lounge access facility will be activated only if Rs.1 lakh and above is spent in a year.
2 November 2023
India’s first co-branded hotel credit card launched by HDFC Bank in partnership with Marriott Bonvoy, the Marriott Bonvoy HDFC Bank Credit Card operates on the Diners Club platform and is packed with travel benefits. Cardholders will be privileged under various benefits entitled to Silver Elite Status with Marriott Bonvoy, such as bonus points, priority late checkouts, exclusive member rates, and other perks.
On eligible travel, dining, and entertainment transactions, four Marriott Bonvoy points will be earned per Rs.150 for up to Rs.5 lakh per month. Per Rs 150 for spending at participating Marriott Bonvoy, eight Marriott Bonvoy points will be earned, and two Marriott Bonvoy Points for all other eligible purchases apart from rentals, fuel, and wallet reload. The card also offers complimentary personal air accident insurance coverage and complimentary access to domestic lounges every year.
The card offers a free night award valued at up to 15,000 points as a welcome benefit for new cards or card renewals. The value of this award can be enhanced by utilising up to 15,000 Marriott Bonvoy Points. The card offers Silver Elite Status along with ten elite night credits annually. For every Rs 150 spent on Marriott Bonvoy hotels (excluding Homes and Villas), cardholders will earn eight Marriott Bonvoy points for monthly expenditures of up to Rs.10 Lakh.
25 August 2023
Swiggy and HDFC Bank have joined forces to introduce a co-branded credit card, powered by Mastercard's payment network. The card's rollout will occur gradually within the next 7-10 days, and eligible customers can apply for it during this period. The new Swiggy co-branded credit card has attractive benefits, such as 10% cashback on food delivery, grocery delivery, and dining out. The cashback rewards will be provided through Swiggy Money. Swiggy aims to attract more customers and stay ahead of its competitor, Zomato. They are responding to customers' demands for rewards and benefits on their spending. This move is part of Swiggy's strategy to strengthen its position in the food delivery industry, where it competes with Zomato and other emerging players like ONDC. Swiggy is also expanding its presence in the food and grocery retail market, as evident from its recent acquisition of LYNK Logistics. Additionally, the company announced a $50 million ESOP liquidity program.
27 July 2023
HDFC Bank has launched the Regalia Gold Credit Card for people with high incomes. This credit card caters to a wide range of prospective customers, including travellers and lifestyle enthusiasts. It offers rewards on international flights, accumulated air miles, stays at hotels, and some of the premium brands accessible via the Regalia Gold catalogue. Cardholders who meet the annual spending thresholds will be entitled to a maximum of two free flight ticket vouchers per year. The Regalia Gold Credit Card also provides five times the reward when purchasing from e-commerce websites such as Reliance Digital, Myntra, Nykaa, and others.
24 March 2023
Co-branded credit cards launched on 15 March 2023 for Flipkart Wholesale members for online spending. These cards are launched by HDFC Bank and Flipkart Wholesale, the omnichannel B2B platform of the Flipkart Group, that will offer 5.00% cashback to the users. The applicants can apply for these cards from the Best Price Flipkart Wholesale app and the booths set up at the HDFC bank inside the Flipkart Wholesale stores. This initiative will enhance digital payments and will support small merchants and Kirana by optimising transactions.
16 March 2023
IRCTC, a company that provides culinary services for Indian Railways, has teamed up with HDFC Bank to launch a co-branded credit card known as the IRCTC HDFC Credit Card. The card will be offered on the Rupay Network of the NPCI in a single format.
Together, IRCTC and HDFC Bank will be able to give clients a better experience. This will be achievable because IRCTC is the biggest gateway for offering various services relating to train travel, and HDFC Bank is the market leader in the issue of cards.
Consumers can use this credit card to maximise savings and take advantage of a number of other advantages when purchasing train tickets through the IRCTC Rail Connect App or the IRCTC website.
Also, holders of the IRCTC HDFC Credit Card will receive a tempting welcome bonus, access to a number of executive lounges at Indian train stations, and booking savings.
2 March 2023
A press statement issued by HDFC Bank and the National Payments Corporation of India (NPCI) on 16 February 2023, stated that HDFC RuPay credit card holders will be able to link their cards with UPI. Due to extending UPI to credit cards, consumers and merchants now have more payment options. Consumers can now make UPI payments using a credit line rather than just the funds in their bank accounts. Merchants will be able to accept credit card payments without needing to install and pay for costly machines.
20 February 2023
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